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Alabama Workers Comp Rates

Alabama workers' compensation rates continue to decrease in 2016.

Alabama now ranks number 29 for the highest workers’ compensation premium rates in the nation, according to a 2014 study completed by the Department of Consumer Business and Services. The study shows improvement from a 2012 study where Alabama ranked 21st most expensive rates overall. Alabama rates are averaging about 3% lower than the national median.

Alabama employers benefit from shopping their work comp insurance rates with 3 or more carriers to ensure the find quotes with the lowest filed rates in the state. Additionally, insurance companies doing business in Alabama are permitted by state law to issue premium credits and debits up to 25%. Employers with good loss runs should qualify for underwriting credits.

Contact an one of our AL Specialist at Workers Compensation Shop.com today to see if your business qualifies for lower rates and more premium discounts. Call 888-611-7467 or start your quote online today.

AL Rates for Select Work Comp Class Codes

Alabama workers' compensation rates listed below represent the current insurance rates, effective as of 3/1/17. New Alabama rates are proposed each by NCCI and then approved by the Department of Insurance. Insurance companies are able to offer discounts and scheduled credits for workers comp policies. We also offer Pay As You Go coverage in Alabama.

Class Code

Low Rate

High Rate

0042 Landscaping

$6.17

$17.13

3632 Machine

$2.83

$7.86

3724 Garage Door Installation

$3.52

$9.78

3821 Salvage Yard

$6.17

$17.13

5022 Masonry

$5.41

$15.02

5102 Door and Window Installation

$4.40

$12.22

5183 Plumbing

$2.42

$6.72

5190 Electrical

$2.17

$6.03

5221 Concrete Construction

$3.66

$10.16

5348 Ceramic, Tile, and Stone Work

$4.36

$12.11

5437 Carpentry/Trim

$4.93

$13.69

5474 Painting

$3.88

$10.77

5478 Flooring

$6.14

$17.05

5537 Heating and Cooling Service and Repair

$4.07

$11.30

5645 Carpentry Noc Res Construction

$10.89

$30.24

7228 Short Haul Trucking

$4.83

$13.41

7605 Burglary and Fire Alarm Systems

$1.66

$4.61

8006 Gas Station

$2.27

$6.30

8017 Retail Store

$1.37

$3.80

8742 Outside Sales

$0.33

$0.92

8810 Clerical

$0.15

$0.42

8832 Doctors Office

$0.36

$1.00

8835 Home Health Care

$2.49

$6.91

8842 Group Homes- All Employees

$2.76

$7.66

9012 Building Operations by Owner

$1.24

$3.44

9014 Janitorial

$2.85

$7.91

9015 Building Operations by Contractor

$3.19

$8.86

9052 Hotel Employees

$1.84

$5.11

9082 Restaurant

$1.47

$4.08

9083 Restaurant Fast Food

$1.27

$3.53

9102 Lawn Care

$2.25

$6.25

9516 Electrical Equipment Service & Repair

$5.74

$15.94

Alabama workers compensation rates vary by work comp class codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers compensation losses.

Alabama is under the Jurisdiction of the National Council for Compensation Insurance and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed fund coverage in AL, if we can't find coverage with a private insurance provider.

QUALIFY FOR LOWER WORKERS COMP RATES.

NOT MUCH TIME? NO PROBLEM.

We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Start your quote online or call us at 888-611-7467

We will shop your policy with our AL carriers.

You get the very best prices on workers comp.

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$0 Money Down

Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Tough Class Codes

Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

Alabama workers compensation rates are expected to remain stable this year and next as state losses have trended well. The effective date of current filed rates in Alabama was March 1st, 2014.

Alabama insurance rates vary significantly between insurance companies, so it's more important than ever to shop your coverage with an agency who understand the workers comp market and has contracts with a broad range of insurance companies.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.